Checking Accounts

Your checking account is a vital part of your everyday life. At Kentucky Telco, we offer the flexibility and convenience you need in a checking account to make your financial life easier. With a broad range of account options, and all the benefits you expect, we can show you how easy checking can be!

CHECKING ACCOUNT ADD-ONS

Safer than carrying cash, more convenient than using a check. Kentucky Telco’s SmartCash Visa Debit Card offers the perfect complement to your checking account. Access your checking account and make purchases at retailers wherever VISA is accepted. With a personal identification number (PIN), your SmartCash Visa Debit Card also acts as an ATM card!

Direct Deposit/Net Pay

Fast. Safe. Convenient. Have your paycheck, Social Security, retirement check, or other recurring check automatically deposited into your account and get your free time back. No more standing in line or worrying about the loss or theft of your check!

*We authorize and pay overdrafts for checks and other transactions made using your checking accounts and automatic bill payments. Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Please refer to the Overdraft Policy details.

MONEYPASS - Surcharge Free ATMs

Access your money on your terms. Using any one of the convenient ATMs across the U.S., including District of Columbia and Puerto Rico, you can access your accounts without being charged a foreign ATM fee**. Just look for the following logos: Fifth Third Bank and MoneyPass.

**You will not be charged an ATM fee for using a Kentucky Telco or affiliated ATM. Inquiries/Transactions made using an ATM outside of the approved networks will result in a $1.75 fee per inquiry/transaction from Kentucky Telco. You may also incur additional charges or fees from that ATM’s provider.

*Inquiries/Transactions made using an ATM outside of approved networks will result in a $1.75 fee per inquiry/transaction from Kentucky Telco. You may also incur additional charges or fees from that ATM’s provider.

Please refer to our disclosures for all additional information. You may also call us at 800-292-9490.